Eaton Family Credit Union
Total assets
$78.4M
▲ +2.1% YoY
Shares & deposits
$70.8M
▲ +3.2% YoY
Loans
$54.8M
▼ -0.1% YoY
Members
10,958
▼ -3.8% YoY
ROA (annualized)
0.05%
peers 0.60%
ROE (annualized)
0.48%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.5 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.2 pts |
| ROA | 0.05% | 0.60% | -0.6 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
Profile
- Established
- 1937
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 333 Babbitt Road, Euclid, OH, 44123
- NCUA charter #
- 68354
- RSSD ID
- 110075
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.4M | $70.8M | $54.8M | $8.3M | $10K | 0.05% | 3.91% | 2.16% | 10,958 |
| Q4 2025 | $77.0M | $69.4M | $55.2M | $8.3M | $45K | 0.06% | 3.81% | 2.27% | 10,931 |
| Q3 2025 | $77.4M | $70.1M | $55.1M | $8.3M | $39K | 0.07% | 3.80% | 2.47% | 11,030 |
| Q2 2025 | $76.9M | $69.8M | $55.2M | $8.3M | $25K | 0.07% | 3.77% | 1.58% | 11,295 |
| Q1 2025 | $76.8M | $68.6M | $54.9M | $8.4M | $5K | 0.03% | 3.79% | 1.28% | 11,390 |
| Q4 2024 | $75.6M | $67.5M | $55.8M | $8.4M | $45K | 0.06% | 3.58% | 1.49% | 11,548 |
| Q3 2024 | $77.5M | $68.1M | $57.0M | $8.4M | $39K | 0.07% | 3.44% | 2.33% | 11,759 |
| Q2 2024 | $76.8M | $66.5M | $56.9M | $8.4M | $33K | 0.09% | 3.40% | 2.54% | 12,237 |
Loan mix (Q1 2026): real estate $27.1M · commercial $7.1M · consumer $12.1M · securities $15.4M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.83% | 54th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 81.5% | 61th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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